SECURITIES AND EXCHANGE COMMISSION

Washington, D.C.  20549

 

FORM 8-K

 

CURRENT REPORT

 

Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934

 

July 12, 2004

Date of Report (Date of earliest event reported)

 

PENNS WOODS BANCORP, INC.

(Exact name of registrant as specified in its charter)

 

 

 

 

 

Pennsylvania

 

000-17077

 

23-2226454

(State or other jurisdiction
of incorporation)

 

(Commission
File Number)

 

(IRS Employer
Ident. No.)

 

 

 

 

 

115 South Main Street, Jersey Shore, PA

 

17740

(Address of principal executive offices)

 

(Zip Code)

 

 

 

 

 

(570) 398-2213

Registrant’s telephone number, including area code

 

 

 

 

 

N/A

(Former name or former address, if changed since last report.)

 

 


 

Item 7.            Financial Statements and Exhibits

 

(c)           Exhibits:

 

The following exhibit is filed herewith:

 

99.1  Press release of Penns Woods Bancorp, Inc., dated July 12, 2004, announcing earnings for the quarter ended June 30, 2004.

 

Item 12.         Results of Operation and Financial Condition

 

On July 12, 2004, Penns Woods Bancorp, Inc. distributed a press release announcing its earnings for the quarter ended June 30, 2004.  The press release is attached hereto as Exhibit 99.1 and incorporated herein by reference.

 

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SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

 

PENNS WOODS BANCORP, INC.

 

 

 

Dated:  July 13, 2004

 

 

 

 

 

 

By:

/s/   Ronald A. Walko

 

 

 

 

Ronald A. Walko

 

 

 

President and Chief Executive Officer

 

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EXHIBIT INDEX

 

Exhibit Number

 

 

 

 

 

99.1

 

Press Release, dated July 12, 2004, of Penns Woods Bancorp, Inc.

 

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